CHOICE. PERSONAL PROTECTION LEVEL OR DECREASING TERM ASSURANCE
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- Valerie Miles
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1 PERSONAL PROTECTION LEVEL OR DECREASING TERM ASSURANCE CHOICE. One of the many choices your clients will need to make is what level of term assurance they ll require. This flyer highlights the differences between level and decreasing term assurance giving you an overview of both plans and the benefits available to your customers. This is not a consumer advertisement. It is intended for financial advisers and should not be relied upon by private investors or any other person.
2 LEVEL OR DECREASING TERM ASSURANCE? WOULD Original 100,000 level life cover amount as at outset of mortgage. Also the amount of cover that level term would pay out over term of plan in the event of a valid claim. 100,000 decreasing Term Assurance amount which decreases roughly in line with outstanding repayment mortgage being charged at interest of 8% or less repaid over 25 years. The approximate sum of money the decreasing term plan would pay out over the term of the plan. The figures in this graph are for illustrative purposes only.
3 LEVEL TERM ASSURANCE DECREASING TERM ASSURANCE AMOUNT OF COVER PREMIUM The amount of cover remains the same throughout the term of the plan. Terms and conditions apply. Premiums likely to be more expensive than decreasing term. The amount of cover is calculated to match the maximum amount that would be outstanding during the coming month on a capital and interest mortgage being charged at an interest rate of 7%, 8%, 9% or 10%. Terms and conditions apply. Premiums likely to be cheaper than level term. TERM The plan is designed to provide a constant level of cover over the term of the plan. This could make the plan suitable should your customer choose a mortgage product which allows them to raise their mortgage borrowing or to take payment holidays, providing the plan covers the maximum they can borrow on their mortgage. The plan provides cover to help pay off the mortgage amount owing, as this decreases throughout the term of the mortgage. EXAMPLE* In the event of a claim in year 15, the beneficiary would receive 100,000 from the plan, where they could, for example, pay 50,000 to the lender, leaving 50,000 for the surviving spouse/registered civil partner. In the event of a claim in year 15, the plan would pay out between 62,900 and 66,900 (this would be dependent on when the policy was taken out and when the claim was made). Again, 50,000 could be paid to the lender, and the surviving spouse/registered civil partner/beneficiary in trust would receive the remainder between 12,900 and 16,900. HOW THE PLAN WORKS Plan aims to provide constant cover and may for a repayment mortgage pay more than the mortgage amount owing (as mortgage amount decreases) providing more for surviving spouse/registered civil partner/beneficiary in trust. If your customer moves they can take the plan with them. Your customer may benefit from continuing to pay the same premium (premiums are based on age at outset). Could be suitable to help protect future mortgages where the term is not extended and the amount borrowed does not exceed the amount of cover. As the cover provided by this plan reduces approximately in line with the way a repayment mortgage decreases, it would not be suitable to help protect a future repayment mortgage where the amount borrowed is increased, or the term of the mortgage is extended. * Assuming a policy amount of cover of 100,000 and a mortgage of 50,000 in year 15. Figures are an estimation only and based on an interest rate of 8%, and will vary depending on actual interest rates. Source: Legal & General as at 9 March 2015.
4 LEVEL AND DECREASING TERM PRODUCT DETAILS* PREMIUMS LEVEL BASIS DECREASING BASIS MINIMUM AMOUNT OF COVER MAXIMUM AMOUNT OF COVER JOINT LIFE BASIS Payable monthly or annually by Direct Debit. The amount of cover selected at outset is designed to be the same if your customer dies at any time during the term of their plan. The amount of cover selected at outset is designed to decrease approximately in line with the way a repayment mortgage decreases. None (subject to minimum premium). None (subject to underwriting and reinsurer approval). Joint life first death. LEVEL TERM Min: 1 year Max: 40 years DECREASING TERM DEATH BENEFITS ADDITIONAL BENEFITS SURRENDER VALUE NON-SMOKER RATES FLEXIBILITY COOLING OFF PERIOD OVERDUE PREMIUM Min: 5 years Max: 40 years The amount of cover is payable if your customer dies during the term of the plan, or are diagnosed with a terminal illness and are eligible to claim. Some benefits are automatically included within our plans at no extra costs. These include accidental death benefit, terminal illness cover, Guaranteed Insurability Option. Free life cover and SmoothMove are included at no extra charge for Decreasing Term plans. These plans are not savings or investment products and have no cash value unless a valid claim is made. Yes Discount for non-smoker. Your customer can make several changes to their plan throughout the term. These changes may affect the premium paid and may be subject to medical underwriting. 30 days from receipt of policy document. If the customer misses a premium payment the plan will only stay in force for 30 days from the premium due date after which the plan is cancelled and all cover will cease and may not be reinstated. * See Key Features document for more information.
5 Legal & General Partnership Services Limited Registered in England and Wales No Authorised and regulated by the Financial Conduct Authority. Legal & General Assurance Society Limited Registered in England and Wales No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office for both firms: One Coleman Street, London EC2R 5AA W /15
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